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Mortgage payment (PITI)

Full monthly cost of a home loan: principal, interest, property tax, insurance and maintenance.

What you enter

  • Home price
  • Down payment
  • Interest rate
  • Loan term
  • Property tax per year
  • Home insurance per year
  • Society / HOA maintenance per month
  • Mortgage insurance (PMI) per year

How this is calculated

  • Principal & interest = EMI on (price − down payment).
  • Monthly cost = EMI + property tax ÷ 12 + insurance ÷ 12 + maintenance + mortgage insurance (only if down payment < 20%).

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These calculators show illustrative outcomes only. Returns are not guaranteed. Tax rules and rates change; verify them before acting. Nothing here is financial, tax or legal advice.